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Relevant Personal Loans articles and tips
![Jodie Humphries](https://images.ratecity.com.au/large/20201006/jodie-humphries-wSSkxNpFJ.jpg)
Jodie Humphries
Personal Finance Editor
Can you get a personal loan with a co-signer?
If you need a personal loan but fear that a low credit score might reduce your chances of getting one, you may be considering getting a personal loan with a co-signer. Find out how having a co-signer works.
Personal Loans
01 Jan, 2021
4 min read
![Can you get a personal loan with a co-signer?](https://staging-content-assets.ratecity.com.au/20200106/i-stock-1028900586-GfAeDcEpa.jpg?w=1024)
![Jodie Humphries](https://images.ratecity.com.au/large/20201006/jodie-humphries-wSSkxNpFJ.jpg)
Jodie Humphries
Personal Finance Editor
Can a personal loan be used for tax exemption?
The interest you pay on personal loans are usually not tax-deductible, but they may be in some cases. It’s important to look at how the loan is spent.
Personal Loans
27 Dec, 2020
3 min read
![Can a personal loan be used for tax exemption?](https://images.ratecity.com.au/large/20200508/i-stock-941729686-ajZdSeRE-.jpg)
![Jodie Humphries](https://images.ratecity.com.au/large/20201006/jodie-humphries-wSSkxNpFJ.jpg)
Jodie Humphries
Personal Finance Editor
Understanding personal loan insurance cover
Is it mandatory to take insurance for a personal loan? No, but it can safeguard you against unforeseen situations that may affect your ability to make timely repayments. You can buy a personal loan protection policy either when you take the loan or later.
Personal Loans
18 Dec, 2020
4 min read
![Understanding personal loan insurance cover](https://images.ratecity.com.au/large/20201218/personal-loan-insurance-98c1saZkR.jpg)
![Jodie Humphries](https://images.ratecity.com.au/large/20201006/jodie-humphries-wSSkxNpFJ.jpg)
Jodie Humphries
Personal Finance Editor
Is it possible to get a personal loan for a house deposit?
Buying a home is a huge financial decision and needs careful consideration and planning. Getting a personal loan for your house deposit may be possible, but is likely to add complexity.
Personal Loans
17 Dec, 2020
3 min read
![Is it possible to get a personal loan for a house deposit?](https://images.ratecity.com.au/large/20201217/personal-loan-house-deposit-PksG9f2wY.jpg)
![Jodie Humphries](https://images.ratecity.com.au/large/20201006/jodie-humphries-wSSkxNpFJ.jpg)
Jodie Humphries
Personal Finance Editor
Should I get personal loan protection insurance in Australia?
A personal loan is a great way to fulfil your short-term financial goals. But this comes at high-interest rates, and there is little scope for mistakes. What happens if you’re forced into a situation where you miss your payment?
Personal Loans
10 Dec, 2020
5 min read
![Should I get personal loan protection insurance in Australia?](https://images.ratecity.com.au/large/20190603161730/couple-money-finances-family-wealth.jpg)
![Georgia Brown](https://images.ratecity.com.au/large/20200724/gbrown-av-cvTdgs8AL.jpg)
Georgia Brown
Personal Finance Editor
Why does my personal loan interest vary month to month?
If you aren’t quite sure how interest is calculated on your personal loan, it may come as a surprise learning that monthly interest charges vary even on fixed rate loans.
Personal Loans
31 Oct, 2020
4 min read
![Why does my personal loan interest vary month to month?](https://images.ratecity.com.au/large/20170802113730/confused-750x420.jpg)
![Georgia Brown](https://images.ratecity.com.au/large/20200724/gbrown-av-cvTdgs8AL.jpg)
Georgia Brown
Personal Finance Editor
Can I have two personal loans at the same time?
No matter how much of a forward planner you are, there can be times when your financial needs change seemingly overnight.
Personal Loans
02 Oct, 2020
5 min read
![Can I have two personal loans at the same time?](https://images.ratecity.com.au/large/20200619/i-stock-1013076770-aEcqVciU7.jpg)
![Georgia Brown](https://images.ratecity.com.au/large/20200724/gbrown-av-cvTdgs8AL.jpg)
Georgia Brown
Personal Finance Editor
Do I need to disclose my loan purpose?
When applying for a personal loan, you’ll most likely have a specific purpose in mind. But are you required to disclose this information on your application?
Personal Loans
14 Sep, 2020
4 min read
![Do I need to disclose my loan purpose?](https://images.ratecity.com.au/large/20200721/thinking-about-finances-MwpC13m6P.jpg)
![Georgia Brown](https://images.ratecity.com.au/large/20200724/gbrown-av-cvTdgs8AL.jpg)
Georgia Brown
Personal Finance Editor
What is a green personal loan, and how can it help you?
As we continue to educate ourselves on the impact our lifestyles have on the environment, plenty of Aussies are taking action to reduce their carbon footprint.
Personal Loans
26 Aug, 2020
4 min read
![What is a green personal loan, and how can it help you?](https://images.ratecity.com.au/large/20191024/webp-net-resizeimage-1-83QvNTMq3.jpg)
![Alison Cheung](https://images.ratecity.com.au/large/20190930/author-alison-512-9ZyoDI3BA.jpg)
Alison Cheung
Finance Writer
How much pet ownership really costs (and where personal loans can help)
Before bringing your furry friend home, consider what the costs might be, and how you plan to pay for those costs in the long term.
Personal Loans
19 Jul, 2020
7 min read
![How much pet ownership really costs (and where personal loans can help)](https://images.ratecity.com.au/large/20200717/woman-doing-high-five-with-golden-retriever-dog-at-home-TMyQNTIId.jpg)
![Nick Bendel](https://images.ratecity.com.au/large/20191003/nick-eK0ugv2IR.jpeg)
Nick Bendel
Property & Personal Finance Writer
9 ways to improve your credit score
If you want to learn how to improve your credit score, you’ve come to the right place.
Personal Loans
03 Jul, 2018
7 min read
![9 ways to improve your credit score](https://images.ratecity.com.au/large/20170818162657/iStock-636606250-724x420.jpg)
![Mark Bristow](https://images.ratecity.com.au/large/20190930/author-mark-512-zioiNTrC5.jpg)
Mark Bristow
Personal Finance Editor
Can I get a personal loan if I receive Centrelink payments?
Being able to access money fast in an emergency by taking out a personal loan can be tricky if you receive Centrelink payments as part of your income. Although still possible there are some important things to know before signing up for a loan and some other options that may be more appropriate for your situation.
Personal Loans
03 Jul, 2018
5 min read
![Can I get a personal loan if I receive Centrelink payments?](https://cdn.ratecity.com.au/article/news/3664/iStock_000071253053_Small.jpg?w=1024)
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![Mark Bristow](https://images.ratecity.com.au/large/20190930/author-mark-512-zioiNTrC5.jpg)
Mark Bristow
Personal Finance Editor
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![Mark Bristow](https://images.ratecity.com.au/large/20190930/author-mark-512-zioiNTrC5.jpg)
Mark Bristow
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![Alex Ritchie](https://images.ratecity.com.au/large/20190930/author-alex-512-7pFMYD0mE.jpeg)
Alex Ritchie
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